Home Mortgage Loan Ratesin Georgia

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Georgia and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 03/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.940% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$6,743 Total Fees$3,543 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.701 Points$2,243 Points Fee
$3,338 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.980% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.510 Points$1,632 Points Fee
$3,627 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.006% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.985 Points$3,152 Points Fee
$4,547 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.066% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.708 Points$2,266 Points Fee
$2,266 Total Fees$0 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.852 Points$2,726 Points Fee
$2,726 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.063% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.678 Points$2,170 Points Fee
$2,170 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Georgia homebuyers and homeowners looking to refinance have access to a variety of mortgage lenders offering competitive home loan rates. Whether you're a first-time homebuyer, looking to upgrade, or seeking to refinance your existing mortgage, you can find a range of loan options to suit your needs and financial situation. When comparing home mortgage loan rates in Georgia, it's essential to consider factors such as loan type (fixed-rate or adjustable-rate), loan term, down payment, and credit score, as these can all impact the interest rates and terms you qualify for. Shopping around and comparing offers from multiple lenders, including local banks, credit unions, and online lenders, can help you find the most competitive mortgage rates in Georgia. Working with experienced mortgage professionals and carefully evaluating your options can help ensure that you secure the best home loan rates available, making your homeownership dreams a reality in Georgia.